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EllyRoo_2

I submitted a claim letter in mid March to NRAM for PPI on a mortgage taken out in 2004. It seems there were two insurances mis-sold. I was always adamant that I didn't have any PPI (ever) so was surprised when I saw this on an old mortgage statement when I was checking it for something else. Around 2 weeks later I received letters from them asking for proof of ID, change of name and a form to complete. The letter stated that it had to be returned with a date only 4 days away. I did this, including a copy of my driving licence as requested and sent it all by secure delivery. Is this a normal request from them and, in others experiences, does this mean that my claim/s are more likely to be successful?

[Deleted User]

Yes - they need to make sure they're giving your data to the right person.

You'd be a tad miffed if they handed it to someone else.

It doesn't mean your complaint is any more likely to succeed.

[Deleted User]

EllyRoo wrote: »

does this mean that my claim/s are more likely to be successful?

No, it just means you had to provide proof of your identity before your complaint could be considered.

How is it that there are TWO mis-sold insurance policies on your mortgage? You are not complaining about Life Insurance or Mortgage Indemnity Guarantee (MIG), are you?

You should also note that if this insurance was sold to you by a broker in 2004, then that is pre-regulation.

At the end of the day, no one here can tell you if your complaint will be successful, so you'll just have to wait.

EllyRoo_2

I don't recall agreeing to either, so I'm not entirely sure, to be honest. My dealings were all with Northern Rock so a broker wasn't involved and the second insurance policy was to do with unemployment and sickness which, given my employment status gave me no added benefit whatsoever. I though I had to take it to get the mortgage. Older and wiser now!

dunstonh

I don't recall agreeing to either,

MIG is not PPI. You also had no choice (apart from putting in a bigger deposit. So, you cant be missold MIG
Life assurance is not PPI. Lenders did require life assurance as a condition of borrowing until mid to late 90s. That was allowed and still is. You just dont see it much today. So, if it was a condition, it would not be missold.

The unemployment cover is PPI. NRAM as a soft touch.